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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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SHENANDOAH VALLEY NAT BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
SHENANDOAH VALLEY NAT BANK |
| Address | PO BOX 3550
WINCHESTER, VA 22604 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 127 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $44,732,000 |
| Average Mortgage Loan Amount Applied For | $348,473 |
| Highest Mortgage Loan Amount Applied For | $4,335,000 |
| Average Applicant Income | $85,000 |
| Highest Applicant Income | $1,415,000 |
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| Home Improvement |
6 | $4,629,000 |
$771,000 | $4,335,000 |
$31,000 | $62,000 |
| Home Purchase |
76 | $24,538,000 |
$322,000 | $1,740,000 |
$89,000 | $677,000 |
| Refinancing |
45 | $15,565,000 |
$345,000 | $2,095,000 |
$102,000 | $1,415,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
1 | $183,000 |
$183,000 | $183,000 |
$70,000 | $70,000 |
| Black or African American |
3 | $243,000 |
$81,000 | $128,000 |
$37,000 | $59,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
44 | $21,093,000 |
$479,000 | $4,335,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
79 | $23,213,000 |
$293,000 | $1,740,000 |
$145,000 | $1,415,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
127 | $44,732,000 |
$352,000 | $4,335,000 |
$91,000 | $1,415,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
2 | $184,000 |
$92,000 | $114,000 |
$47,000 | $95,000 |
| Application Denied By Financial Institution |
5 | $2,911,000 |
$582,000 | $1,740,000 |
$96,000 | $290,000 |
| Application Withdrawn By Applicant |
1 | $340,000 |
$340,000 | $340,000 |
$166,000 | $166,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
119 | $41,297,000 |
$347,000 | $4,335,000 |
$91,000 | $1,415,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $381,000 |
$190,000 | $196,000 |
$15,000 | $31,000 |
| Debt-To-Income Ratio |
2 | $2,365,000 |
$1,182,000 | $1,740,000 |
$205,000 | $290,000 |
| Employment History |
1 | $165,000 |
$165,000 | $165,000 |
$41,000 | $41,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for SHENANDOAH VALLEY NAT BANK by:
Metropolitan Area And
County
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